Why do toilets overflow?

A Toilet Job in Queens, NY

Toilets overflow for many reasons. The main one being a backed up toilet due to kids or the primary user. However, there are times that the toilet will overflow from beyond the trap and sewage will spill over. In sewage cases the floor and walls surrounding the toilet are removed.

Can't it just be disinfected?

Sewage will seep between the cracks in the floor and soak up the drywall. The bacteria in the wood and grout are too hard to disinfect. Since the insurance company is more concerned for the homeowner's health they will allow for the restoration of the damaged floor and walls.